Open Enrollment Benefits Presentation Plan Year 2018 Effective - - PowerPoint PPT Presentation

Open Enrollment

Benefits Presentation Plan Year 2018

Effective 10/1/2017

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 Major Medical Health Benefits Plan  “Onsite” Family Health Clinic (EE Clinic) / Pharmacy  Neighborhood Healthcare Centers (Extended Hours)  Flexible Spending Accounts  Dental  Vision  Term Life Insurance  Non Smokers Insurance  AD&D Insurance  Long Term Disability  Employee Assistance Program (EAP)  Fitness Center  Retirement Program –Texas County and District Retirement System (TCDRS)

Pension for Life!

 Voluntary Tax Deferred Retirement Plans (VOYA)  Paid Time Off  PTO Buy Back Program  Extended Illness Leave  Leaves of Absence  Cafeteria, Bistro, Pharmacy, Gift Shop & other Discounts  My Health Folders  Tuition Reimbursement  Education Bank

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SUMMARY OF BENEFITS

UNIVERSIT Y MEDICAL CENTER OF EL PASO OFFERS AN OUTSTANDING PLAN

 Plan Options (Medical, Dental, Vision, Life Insurance, Accidental Death & Dismemberment, and Long Term Disability)

• Eligibility: Full Time / Part Time
• Four Coverage Options:
• Associate Only
• Associate & Spouse – (opposite or same sex)

Proof of Marriage Required

• Associate & Child(ren)
• Associate & Family
• Premiums on a Bi-weekly Basis (26 pay periods)

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BENEFITS PLAN BASICS

Effective Dates:

• Entry Dates
• Benefits Enrollment (October 1st of every year)
• New Hires (1st of the month following 30 days of service)
• Newly Eligible (1st of the month following 30 days of service)
• Qualifying Event (e.g. birth of a child, marriage, newly eligible status…)
• Termination of Benefits
• Coverage ends the day of termination (12:00 midnight)
• Qualifying Event (Major life event changes e.g. divorce, death, ineligible

status…)

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EFFECTIVE DATES

BENEFITS PLAN BASICS

Important Note

 Associate MUST notify Human Resources (Benefits) for any

“Qualifying Event” within 31 calendar days of the event

 After 31 calendar days, IRC Regulations prohibits participants to add/drop

coverage until the next Open Enrollment Date (October 1st).

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BENEFITS PLAN BASICS

• Self Insured - Preferred Administrators
• One Dynamic Plan
• Preferred Providers Organization (PPO)
• University Medical Center of El Paso/El Paso Children’s Hospital/Texas Tech Providers
• PPO Providers- Providers contracted by Preferred Administrators in El Paso

County

• In

In-Network Providers

• Before receiving services, you should always verify with Preferred

Administrators that your provider is considered an in-network provider.

• Non

Non-Contracted Providers

• Out of Network Providers- Providers that are not contracted by Preferred

Administrators

• Wrap Network/Out-of
• f-Area - Multiplan/PHCS
• (Contact information located on member ID card)
• Residing Location
• It is the member’s responsibility to notify Preferred Administrators of

residing location for members. Example: Dependents attending school out

• f the area.
• Coordination of Benefits
• It is the member’s responsibility to notify Preferred Administrators if you

have a secondary insurance. Forms will be included in benefit package.

• PHI Disclosure Forms
• Spouses and/or Dependents over age 18 must sign PHI Disclosure forms.

Forms will be included in benefit package.

• Preferred Administrators - (915) 298-7198 press 4 then ext. 1529

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One On Campus

UMC Annex – 4th Floor

One Close to Campus

6314 Delta Ave. Suite 161

Six Across Town

UMC East – 1521 Joe Battle at Vista Del Sol UMC Dieter -1485 George Dieter at Pellicano UMC West – 6600 North Desert Blvd. ½ mi. past Paseo del Norte UMC Crossroads -5021 Crossroads at Mesa UMC -Ysleta -300 S. Zaragoza UMC - Fabens - 101 Potasio

Open on Saturdays

at Five Locations Across Town

East, Dieter, West, Crossroads and Ysleta

Best Value

for Associates and Dependents

• n Services Provided

at the Centers

7:30 a.m. to 8 p.m.

$15 co-pay

Over 50 Providers Family Medicine • Pediatrics Geriatrics • Internal Medicine Women’s Health Chronic Disease Management Diabetes Clinic High Blood Pressure Monitoring

Call for Appointments 790-5700

From 7:30 a.m. to 8 p.m., Monday - Saturday Accredited by The Joint Commission as a Primary Care Medical Home

SCHEDULE OF BENEFITS: ONE DYNAMIC PLAN

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UMC of El Paso Texas Tech Preferred Administrators/PPO/ Wrap Network Non-Contracted Providers to Include Hospitals of Providence Doctor Availability: In-Network In-Network In-Network Out-of-Network

Requires prior authorization except in emergent situations

Office Visits: (Co-Pays) $15.00 $30.00 $40.00 50% After Deductible is met Behavioral Health (Co- Pays) NA $35.00 $40.00 50% After Deductible is met Deductibles: The amount of covered medical expenses a participant pays each fiscal year before benefits are payable under this coverage. (Includes EPCH) Individual $150 $1,500 $3,500 Family $450 $4,500 $10,500 Max Out of Pocket (MOP) to include Pharmacy and Medical Plan pays 100% after max is met each fiscal year. Includes co-pays, co-insurance and deductibles for both the medical and pharmacy benefits for in network providers. Individual Not applicable to any service provided at UMC/EPCH or Texas Tech $7,150 Unlimited Family Not applicable to any service provided at UMC/EPCH or Texas Tech $14,300 Unlimited

SCHEDULE OF BENEFITS: ONE DYNAMIC PLAN

10 UMC of El Paso/ Texas Tech/EPCH Preferred Administrators/PPO/ Wrap Network Non-Contracted Providers to include

Hospitals of Providence

Hospital Availability: UMC of El Paso In-Network Out-of-Network In-Patient Per Admission $250 co-pay and 100% coverage after deductible is met $1,000 co-pay and 70% coverage after deductible is met $2,500 co-pay and 50% coverage after deductible is met Out-Patient Surgery $100 co-pay and 100% coverage after deductible is met $300 co-pay and 70% coverage after deductible is met $1,000 co-pay and 50% coverage after deductible is met Out-Patient Services (Lab, Radiology, etc.) 100% coverage after deductible is met 70% coverage after deductible is met 50% coverage after deductible is met Annual Maximum

No Annual Maximum

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ID CARDS

It is imperative that if you have dependents residing outside of the area, you notify Preferred Administrators immediately.

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NEWS ON PHARMACY VENDOR

Effective October 1, 2017 you will have a new pharmacy vendor. Your new pharmacy vendor will be Navitus Health Solutions. You will have a new pharmacy ID card. Navitus is committed to lowering drug costs, improving health and delivering superior service.

UMC El Paso Pharmacies All Other Pharmacies

Deductible $50.00 Per Member (Per Plan Year)

$100.00 Per Member (Per Plan Year)

Co-payments: $5.00 (Generic) $30.00 (Generic) $25.00 (Brand Name)

Members are subject to the price difference if they choose a brand name when a generic is available.

$60.00 (Brand Name)

Members are subject to the price difference if they choose a brand name when a generic is available.

$50.00 (Non-Formulary) $80.00 (Non-Formulary) Maintenance Prescriptions: 90 Days for one co-pay

(Prescriptions must be written to be dispensed every 90 days)

30 Days for one co-pay

Specialty drugs: Will process at a $50 co-pay and will be dispensed at a 30 day supply. These drugs must be dispensed at a UMC Pharmacy first if not available then by mail order.

Specialty Drugs and Prescriptions over $500.00 (Authorization Required)

Co-payments apply 50% - Out of Network Pharmacies

UMC El Paso Pharmacy (Annex): Monday thru Friday – 7:30 am – 6:00 pm (“Associate Only” Line 7:30 am -11:30 am) Sat - 8:00 am - 5:00 pm (Closed for 30 min lunch between 1:00 pm – 2:00 pm during operating hours) Refill Line – 534-5925 (24 hour turnaround time) 13

PRESCRIPTION BENEFITS

WRAP NETWORK/OUT-OF-AREA

 This Plan enables you to continue to access participating PPO providers through Multiplan and PHCS. Through the Multiplan and PHCS, the same advantages are provided to members who live, work, or travel outside of the service area. This is done by utilizing the Multiplan/PHCS extended national network.  If you obtain services through a preferred provider, you will receive benefits at the PPO in-network level.  Prior Authorization is required for inpatient and scheduled

• utpatient surgical procedures.

 Call Multiplan/PHCS at 1-922 922-810 810-4362 or www.multiplan.com to

• btain names of participating preferred providers in your area. This

number is printed on the back of the ID Card.

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HOSPITALS OF PROVIDENCE (FORMERLY TENET) OUT OF NETWORK

 Hospitals of Providence is not an In-Network participating provider with Preferred Administrators.  If you have an emergency that results in an inpatient admission at any Hospitals of Providence facility, you will be responsible for out

• f network costs (including balance billing for

professional and facility services).

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 Balance billing occurs when providers who are not contracted within the benefit plan bill you for the difference between the amount the health plan pays and the amount the provider has billed. Commonly occurs during ER visits.

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BEWARE: BALANCE BILLING – SEEKING SERVICES OUTSIDE OF UMC OF EL PASO/TEXAS TECH/PPO/WRAP NETWORK

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EMERGENCY CARE BENEFITS

Fast Track Operation within (UMC Hospital)

 Split Model – Patients will be seen more rapidly  Urgent Care Function  Deductible Does Not Apply

UMC El Paso /EPCH

“No Balance Billing”

Wrap Network PPO

“Warning”

(You will be Balanced Billed from the Emergency Care Provider that treated you in the Emergency Department)

Non-Contracted Providers

“Warning”

(You will be Balanced Billed from Providers Not Contracted by Preferred Administrators)

Facility Professional Facility Professional Facility Professional 100% of Contracted Amount 100% of Contracted Amount 100% of Contracted Amount 100% of Usual and Customary Charges 100% of Usual and Customary Charges 100% of Usual and Customary Charges after co-pay of $50 after co-pay of $50 after co-pay of $50

AMBULANCE CARE

Ambulance Services

 Covered at 70/30 Benefit  Ambulance providers not contracted will balance bill.  Ambulance Services Not Covered: Charges for transportation

when transportation of the patient was not necessary, did not

• ccur, or refused transportation .

Contracted Ambulance (Life Ambulance) Non-Contracted Ambulance

70% coverage (No Balance Billing) 70% coverage (Balance Billing)

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 Urgent Cares are a covered benefit with Preferred Administrators, when receiving care with a participating provider.  For an urgent care visit, there is $40.00 co-pay visit

• charge. Any diagnostic services received at an Urgent Care

are applied toward member’s deductibles and co- insurance will apply.

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URGENT CARE CLINICS

COUNTR NTRY Y CLUB B URGENT NT CARE 8041 1 N MESA EL PASO, , TX 79912 12 915 915-474 474-24 2454 54 SOUTHWEST URGENT NT CARE CENTE NTER 2030 0 N MESA EL PASO, , TX 79902 02 915 915-532 532-71 7100 00 EL PASO URGENT NT CARE CENT NTER 10501 01 GATEWAY Y WEST STE 105 EL PASO, , TX 79925 25 915 915-307 307-23 2371 71 UCARE URGENT NT CARE 3051 1 N ZARAGOZA EL PASO, , TX 79938 38 915 915-703 703-02 0254 54

The above Urgent Care Clinics are in network with Preferred Administrators, however, please remember that the most current listing can be found on the Provider Directory Search located at www.preferredadmin.net.

WELLNESS BENEFITS Benefit Description: UMC of El Paso Texas Tech Provider Preferred Administrators/PPO/ Wrap Network Non- Contracted Providers Meningococcal Vaccine 100% 100% 100% Not Covered Zoster (Shingles) – Age 60 and over 100% 100% 100% Not Covered Well Adult routine immunizations recommended by the Centers for Disease Control and Prevention (CDC) will be covered. These services come with specific age guidelines 100% 100% 100% Not Covered Well Baby and Well Child Preventative Care and annual physical exams and routine immunizations recommended by the CDC for covered participants.

Routine Immunizations include: Diphtheria, Hepatitis B, Rotavirus, Haemophilus Influenzae Type B (Hib), Pneumococcal, Pediarix, Measles, Mumps, Rubella, Pertussis, Polio, Tetanus, and Varicella. Tetanus -- After age 11 and boosters no more than every 10 years

• r unless medically necessary.

Hepatitis A

100% 100% 100% Not Covered

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SCHEDULE OF WELLNESS BENEFITS

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SCHEDULE OF WELLNESS BENEFITS

WELLNESS BENEFITS Benefit Description: University Medical Center

• f El Paso

Texas Tech Provider Preferred Administrators / PPO/Wrap Network Non- Contracted Providers Office Visits for annual Physical Exams (PCP) one per Fiscal Year for Male/Female. 100% 100% 100% Not Covered Office Visits for annual Well Women’s (OB/GYN) one per Fiscal Year. 100% 100% 100% Not Covered Coverage for a range of screenings and immunization services recommended by the US Preventive Services Task Force will be covered at no cost when you receive services with an in-network

• provider. These services come with specific guidelines (e.g., age

specific, frequency, etc). 100% 100% 100% Not Covered Contraceptive Sterilization for Men and Women: 100% 100% 100% Not Covered Mammogram: Covered at 100% for women ages 40 and older every one to two years. 100% 100% 100% Not Covered Bone Density Screening for women age 50 and over 100% 100% 100% Not Covered Flu Shots 100% 100% 100% Not Covered HPV – (Females/Males Age 9 up to 26) 100% 100% 100% Not Covered

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Coordination of Benefits

Do you have more than one health insurance plan? If so, please inform Preferred Administrators by completing the Coordination

• f Benefits Form at www.preferredadmin.net or by calling at

915-532-3778 from 7:00 am to 5:00 pm. Coordinating your benefits helps us process your claims faster and maximizes your benefits. It’s important that we keep your information up-to-date. We’ll send you a letter from time to time asking if you have any additional coverage. Please respond to that letter. If we don’t receive your response within 45 days, we may start rejecting your claims.

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PRIOR AUTHORIZATION

All inpatient admissions and outpatient procedures must be prior authorized by Preferred Administrators. Emergency Admissions resulting in an Inpatient Admission must be authorized within 24 hours of the admission. All services will be denied if prior authorization is not obtained.

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PRIOR AUTHORIZATION

• SCHEDULED INPATIENT ADMISSIONS /

OUTPATIENT PROCEDURES

Covers adult children until age 26, even if the young adult no longer lives with parents, is not a dependent on a parent’s tax return, or is no longer a student. This applies to both married and unmarried

• children. The adult child’s own spouses

and children do not qualify.



Coverage will end at the end of birthday month.

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ADULT CHILDREN COVERAGE

 Maternity Care for all confirmed pregnancies consists of antepartum care, delivery and postpartum care, including the following:

• Hospital admission
• Patient history
• Labor management
• Postpartum office visit, vaginal or cesarean section delivery.
• Vaginal or cesarean section delivery, after previous cesarean delivery.
• Hospital discharge and all applicable postoperative care.

 Services that are not included in the global basis include:

• Antepartum consultation paid to the same provider, for dates of service either within the from -

through period of the global billing within 270 days prior to the global OB delivery date.

• Hospital visits that are related to the OB delivery.
• Postpartum consultations that are related to the delivery paid to the same provider within the 45

day follow-up period of the global OB delivery date.

• Laboratories
• Ultrasounds (a prior authorization is required after the 4 th

th ultrasound with the exception of

confirmed High Risk Pregnancies after the Provider’s submission of Prior Auth Form High Risk Pregnancy)

 Global claims are subject to the 1 year timely filing, based on the delivery date.  A prior authorization is required for the delivery for all Associates and their dependents in or out of the area.

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MATERNITY BENEFITS

Having a Baby at UMC (C-Section/Normal Delivery)

Amount owed to providers : $ 1 3,043.39 Plan pays: $ 3 ,900.00 Patient pays: $ 4 00.00 S a m ple c a r e c o s ts: Hospital charges (mother) $6,174.00 Anesthesia $1,856.43 Laboratory test $2,693.92 Radiology test $1,512.83 Pharmacy $806.21 T o t a l $ 1 3,043.39 Pa t ie nt p a ys: Deductible $150.00 In Patient Co-pay $250.00 Coinsurance $0 T o t a l $ 4 00.00

Having a Baby at PPO Hospital (Normal Delivery)

Amount owed to providers:

$ 1 5,250.00 Plan pays: $ 4 ,250.00 Patient pays: $ 3 ,775.00 S a m ple c a r e c o s ts: Hospital charges (mother) $7,174.00 Anesthesia $2,836.33 Laboratory tests $3,331.92 Radiology test $1,000.84 Pharmacy $906.91 T o t a l $ 1 5,250.00 P a t i ent p a ys: Deductible $1,500 In-Patient Co-pay $1,000 Coinsurance 30 % $1,275.00 T o t a l $ 3 ,775.00

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COST OF HAVING A BABY AT UMC

**Don't use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples and the cost of that care will also be different.**

 Only non-hospital grade portable double electric pumps, manual pumps and supplies will be covered at 100%.  Members can go through a DME or can purchase the device or supplies from a retail store or Pharmacy and obtain reimbursement after following the established process.  Members can be reimbursed for a purchase of a breast pump up to $200 dollars or up to $50 dollars for supplies if you already have a breast pump. Items can be purchased at any retailer or pharmacy and in order to be reimbursed you will need the following:

• Complete Member Reimbursement Form, which can be

downloaded at www.preferredadmin.net

• Prescription from OB provider
• Receipt

For more information about this benefit, please contact Preferred Administrators at 915-532-3778, press 4 and then extension 1529.

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BREAST PUMP BENEFIT

 Approval based on medical necessity.  Members will obtain a maximum of 10 Chiropractic visits per fiscal year.  Co Co-pays apply to first evaluations and re-evaluations.  After first evaluation and re-evaluations for above services, a pre-authorization is required for treatment.

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PHYSICAL THERAPY/SPEECH THERAPY/ OCCUPATIONAL THERAPY AND CHIROPRACTIC BENEFIT

 Diabetes Education

• (Deductible does not apply)

 Fitness Center

• (No cost to UMC Associates)

 Smoking Cessation

• (Wellness Program)

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OTHER SERVICES AVAILABLE ONLY AT UMC

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OUT OF COUNTRY EXCLUSIONS

Coverage Options

• Treatment of injury or sudden acute illness

while traveling for a period not to exceed ninety (90) days

• Or while attending an accredited school

abroad as full-time student and meeting all

• f the provisions for adult dependent

eligibility Non-Coverage Options

• Non-emergency or routine medical care
• Or out of country longer than 90 days

 FSA Medical Reimbursement Account

• Covers out-of-pocket anticipated medical costs:
• Office co-pays, prescriptions co-pays, eligible over-the-counter medication or equipment,

eye glasses, contacts, etc.

• Your FSA Medical Account can be used for your dependent’s medical cost.
• The dollars put into an FSA are pre-tax dollars.
• Medical Reimbursement Account (up to $2,600).
• Carry Over - $500

 FSA Dependent Daycare Account (DCA )

• Covers cost of adult and children daycare expenses.
• Dependent Daycare cannot be used for education tuition for kindergarten and above.
• Dependent Daycare Reimbursement Account (up to $5,000 or up to $2,500 if married filing

separately).

• 

FSA Debit Mastercard:

• The FSA Debit MasterCard is a special purpose financial debit card linked to your Health

Care Flexible Spending Account (FSA). Note, this card cannot be used for your Dependent Child/Adult Day Care.

• Use your FSA Debit MasterCard to quickly and conveniently draw funds from your FSA to

pay for eligible expenses such as: pharmacy prescriptions, doctor office visit co - payments and eligible over-the-counter health care items.

• Do not discard your current FSA Mastercard. They will be reloaded for the new plan year.

If you are a new participant, a new card will be mailed. 32

FLEXIBLE SPENDING ACCOUNT(S) (FSA)

 Dental Plan HMO: In-Network Dentists Only

• Offers dental discounts through select providers
• Costs and discounts are based on services selected
• Refer to “MetLife Enrollment Kit” for details

 Advantages

• No claim Forms
• No deductibles
• No annual maximums
• No waiting periods

 Must select a General Dentist

• Select a Dentist from the MetLife panel
• Call 1-800-880-1800 to assign a facility or to switch

dentists

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DENTAL OPTION #1:

 May select in or out of network providers

• In-Network Dentists
• No Claim Forms
• In-Network Service Discounts

(Average 30% less)

• Out-of-Network Dentists
• Claim Forms to file
• Regular Service Charges

 Guardian ID Cards - Mailed

• Help Line (800-541-7846)
• Refer to Booklet for Directions for On-Line Access & Mobile App

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DENTAL OPTION #2:

DENTAL INDEMNITY: THE GUAR

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Deductible:

$50 per person per plan year $150 per family per plan year

Preventive Care:

Semi-Annually (every 6 months) 100% (No deductible)

Basic Restorative:

80% after $50 deductible

Major Restorative:

50% after $50 deductible

Orthodontia:

$1,250 Lifetime Max. for child(ren) under age 19. No Deductible

Annual Max:

$1,000 for Preventive, Basic, and Major services combined.

Rollover:

Claims not exceeding $500 threshold per plan year will have $250 rolled over to the next plan year. The max rollover limit is $1,000 max.

 Flexibility of In/Out of Network

• In-Network Providers
• Co-Pay’s
• Eye Exam ($10)
• Frames and/or Eyeglass Lenses ($25)
• Allowance: Frames: $100 or Contacts: $120
• No Claim Forms
• No pre-notification required
• National and Regional Optical chain locations
• Out-of-Network Providers
• You must file claim forms
• Regular Service Charges
• Must contact Superior Vision Member Svc Dept prior to services

rendered for authorization (800-507-3800)

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VISION CARE: SUPERIOR VISION

 Term Life

• Full Time Associates or Part Time Associates
• Coverage Level for Term Life
• UMC of El Paso provides all Associates with one times their annual salary to

a max. of $50,000 for free!

• Additional coverage available up to 5 times annual salary ($750,000 max.)
• Spouse - $5,000
• Children - $2,000 (per child)
• Family – Spouse $5,000; Children $2,000

 Additional Services

• Survivor Financial Counseling Services
• Portability
• Accelerated Benefit
• Waiver of Premium
• Work Life Balance – EAP
• World Wide Emergency Travel Assistance

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TERM LIFE INSURANCE ELIGIBILITY (UNUM)

 Evidence of Insurability are required:

• New Associates selecting 3 or more x Salary
• Open Enrollment – no EOI needed if already enrolled and want to

increase by one step.

 Approval of Additional Life Insurance

• After submitting the EOI to UNUM
• UNUM determines the level of coverage, if any
• UNUM notifies HR and adjustments to your premium are made if

approved

 Dependent Proof of Student Status:

• Proof of student status is required for dependent children when

they reach age 19 and every following semester through age 26

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TERM LIFE INSURANCE: EVIDENCE OF INSURABILITY

(UNUM PROVIDENT)

Non-Smoker’s Pledge

• Associate commitment to be smoke-free.
• Additional $10,000 Life Insurance
• Provided at no cost by UMC of El Paso

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TERM LIFE INSURANCE - NON SMOKER’S PLEDGE

Provides up to two times your annual salary to a maximum of $100,000 provided at no cost. Additional Services

• Career Adjustment Benefit
• Payable to spouse within 36 months of death
• The lesser of $10,000 or 25% of AD&D benefit
• Child Care Expenses Benefit
• Payable within 36 months of death
• The lesser of $10,000 or 25% of the AD&D benefit

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ACCIDENTAL DEATH AND DISMEMBERMENT

(UNUM PROVIDENT)

 Replaces a portion of your income

• If you are unable to work due to a covered injury or sickness
• After 90 days of consecutive illness or disability

 Additional Benefits

• Waiver of Premium when on LTD, Worldwide Travel Assistance

Services, and Survivor Benefit

• Eligible survivor may receive 3 months of gross disability

payment at death where the disability continued for 180 consecutive days and were receiving (or entitled to receive) benefits

 Coverage Levels

• Cost is based on Associate’s age category and plan selection
• f coverage level:
• 25% Replacement of Associate’s Annual Salary
• 40% Replacement of Associate’s Annual Salary
• 50% Replacement of Associate’s Annual Salary

 Maximum monthly benefit of $5,000

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LONG TERM DISABILITY VOLUNTARY PLAN

Eligibility

• Full Time Exempt Level
• After 180 days of service
• Available for continuous illness or

disability up to 60 consecutive days

Coverage Level

• 60% of Associate’s monthly earnings to

maximum monthly benefit of $5,000

• Provided by Hospital

Additional Benefits

• Waiver of Premium, Worldwide Travel Assistance

Services and Survivor Benefit

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LONG TERM DISABILITY HOSPITAL PLAN EXEMPT ONLY

Associate Only Associate + Spouse Associate + Child(ren) Associate + Family

Medical - Full-time

32.95 97.97 77.00 107.80

Medical - Part-time

54.93 163.28 128.33 179.68

MetLife - Dental DMO

4.19 6.99 8.39 13.63

Guardian - Dental Indemnity

11.93 23.10 30.85 42.14

Superior Vision

4.28 8.92 7.60 12.91

Supplemental Life (UNUM) Based on Associate’s age category and annual salary. (See UNUM packet for premium calculation form) Dependent Life (UNUM)

.55 .55 .55 .55

Hospital LTD (UNUM) Provided by the Hospital (Exempt Associates) Voluntary LTD (UNUM) Based on Associate’s age category and plan selection of coverage

• level. (See UNUM information for premium calculation form)

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UNIVERSITY MEDICAL CENTER OF EL PASO

BENEFIT PREMIUMS: PLAN YEAR 2018 (BIWEEKLY)

One of the best-funded plans in the country Features keep us financially strong

• Savings-based benefits
• Responsible plan funding
• Flexibility and local control

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TCDRS DOES RETIREMENT RIGHT

RETIREMENT PROGRAM

TEXAS COUNTY AND DISTRICT RETIREMENT SYSTEM

 Eligibility and Plan Basics

• Full Time and Part Time Associates
• 5% mandatory contributions begins immediately
• Vested after 8 years of employment
• Earn 7% compounded interest on contributions

beginning 2nd year of employment.

 Retirement Planning

• Fund matches at 180% per dollar contributed at retirement
• Retirement age options
• Age 60: 8 years of service
• Any Age: 30 or more years of service
• Age Plus: Rule of 75 (Age plus years of service equals 75)
• Pension for Life!

 Update your TCDRS Beneficiary Form

• This is Separate from the Life Insurance Beneficiary Form

A LOOK AT COMPOUND INTEREST

Year Beginning Balance Deposits from Pay 7% Interest Ending Balance Year 1 $0 $2,000 $0 $2,000 Year 2 $2,000 $2,000 $140 $4,140 Year 5 $8,879 $2,000 $621 $11,501 Year 10 $23,955 $3,000 $1,676 $28,632 Year 15 $50,851 $3,000 $3,559 $57,411 Year 20 $88,574 $3,000 $6,200 $97,774 Year 25 $141,482 $3,000 $9,904 $154,386 $66,000 $88,386 $154,386

Your UMC Voluntary Retirement Programs at a Glance

U M C B E N E F I T S L A S T U P D A T E D : J U L Y 2 0 1 3

403(b) Plan 457(b) Plan

Eligibility Full & Part-time Associates Full & Part-time Associates Employee Contribution Pre-Tax Dollars Pre-Tax Dollars Employer Contribution None None Employee Withdrawals Taxable when withdrawn Taxable when withdrawn General Contribution Limits $18,000 IRS Maximum (2017) $18,000 IRS Maximum (2017) Over age 50 Catch-up $6,000 $6,000 Early distributions Distributions made prior to age 59 1/2 will be subject to ordinary income tax and a possible 10% penalty Distribution made prior to age 70 1/2 will be subject to ordinary income tax

 Additional savings for retirement.  Payroll Deducted. Rollovers Accepted.  No waiting period. Available immediately.  Minimum $10.00 per pay period per account.  May contribute a percent of salary amount or flat amount.  26 Investment options plus a fixed account. Contact Information: Joel Hernandez (915) 543-4902

 Overview for E.A.P.

• Provides all Associates and immediate family

members short term counseling by trained counselors and therapists in English and Spanish 24/7

• Completely Confidential
• No waiting period. You are eligible
• n your first day of employment (All Associates Eligible)
• Available Services Offered
• Personal Problems, Financial Difficulties, Marital Problems,

Mental Health Disorders, Substance Abuse Issues

• Discounts Available
• Child/elderly care, legal services, car purchases, tire

purchases, car maintenance, fitness, golf and more...  Absolutely “No Charge” unless referred to another source (8 free sessions)

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EMERGENCE HEALTH NETWORK (EAP) EMPLOYEE ASSISTANCE PROGRAM

 A free, secure, and confidential web-based tool

• Keeps track of you and your family’s health information
• Such as medication, procedures, doctor contact

information, etc.

• After completing each profile, print your medical data

sheet

• Store in a place easily accessible (purse, wallet, etc.)
• Take it with you for medical visits as well as case of

emergencies

 Setup Your Accounts: www.myHealthFolders.com

• Complete the registration process by clicking on “Register

Now”

• The enrollment code is: T17884
• Print healthcare care as your final step

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MANAGING HEALTH INFORMATION “MYHEALTHFOLDERS.COM”

 Paid Time Off (PTO)

• Use for vacation, holidays, sick days, personal time, etc.
• Exempt Associates may use after first paycheck
• Non-Exempt Associates after 90 day introduction period
• New Associates employed less than 90 days will be paid PTO for hospital

recognized holidays if the department is closed for the holiday.

• PTO is not paid out if Associate leaves prior to 90 day period.

 Extended Illness Leave (EIL)

• Eligible to use after 90 day introduction period

 Leaves of Absence

• FMLA, Medical Leave, Military Leave, Administrative Leave

and Personal Leave

TIME AWAY FROM WORK

TYPES OF TIME OFF

HOW MUCH PTO CAN I HAVE? ACCRUING PTO

Full Time Part-Time

Exempt

 Eligible immediately

 Accrues at 8.31 PTO hours per pay

period

 216 hrs annually  Max accrual is 432 hrs

 Eligible immediately

 Accrual is based on hours paid  Max accrual is 2Xs annual rate

Non- Exempt

 Eligible after 90 days of

employment

 1-4 Yrs

 Accrues at 6.77 hrs per pay period  176 hrs annually  Max accrual is 352 hrs

 5+ Years or more

 Accrues at 8.31 hrs per pay period  216 hrs annually  Max accrual is 432 hrs

 Eligible after 90 days of

employment

 Must work a minimum of 20

hours per week

 Accumulates based on hours

paid

 Max accrual is 2Xs annual rate

HOW MUCH EIL CAN I EARN?

ACCRUING EXTENDED ILLNESS LEAVE

Full Time Part-Time

Exempt and Non- Exempt

 Eligible after 90 days of

employment

 Available after 3

consecutive days of illness

 Accrues at 2.46 EIL hours

per pay period

 63.96 hrs annually (8 days)  Max accrual is 720 hrs (90

days)

 Requires medical

documentation

 Eligible after 90 days of

employment

 Must work a minimum of

20 hours per week

 Accumulates based on

hours worked

 Max accrual is 720 hrs (90

days)

 Requires medical

documentation

CAN’T USE ALL YOUR PTO… PTO BUY BACK AND DONATION OPTION

PTO Buy Back Option

• Opting for a PTO Buy Back
• Requires one year of service and at least 80 hours of PTO used in the

prior year

• Payouts are in December
• PTO time paid based on hourly salary calculation (not overtime)
• Maximum Buy Back of PTO is 40 hours
• Must have minimum remaining balance of 40 hours after Buy Back

PTO Donation Program

• Donating PTO
• Donation may be made to fellow Associate for an emergency and/or

catastrophic event

• Hours must be available in donating PTO Bank
• Written request sent to HR Director through department manager
• Receiving a PTO Donation
• Completion of 90 days of employment
• to receive a Donation of PTO for an emergency or catastrophic event

 Need more benefits information

• Go to the UMC of El Paso Intranet Home Page
• Select “Benefits”
• Select the “Benefit Type” you need to review

 Each section provides a brief description and/or plan document for you to review

54

UMC OF EL PASO BENEFITS ON THE INTRANET

55

Computers throughout Hospital, Outside Clinics and El Paso Health

(Preferred Administrators)

Computer Assistance Available

On-Line Enrollment (Wed.,Sept 27th – Sun., Oct 1st)

Computer Assistance Schedule:

Date Time Location September 28th (Thurs.) 8:30 am – 4:00 pm El Paso Health September 29th (Fri.) 7:30 am – 4:00 pm HR Training Room (Annex, 3rd Floor)

56

ON-LINE ENROLLMENT (SEPT 27TH – OCT 1ST)

 Computerized On-Line Enrollment

• No need to enroll On-Line if NOT making changes to current benefits (except for

Flexible Spending Accounts). FSA accounts default to “0” every plan year.

• Associates wanting to add/drop/change benefits MUST enroll On-Line during

scheduled dates and times.

• Associates must re-elect FSA Medical and/or Dependent Care Accounts On-Line

during scheduled dates and times.

• 403(b) / 457(b) Plans NOT an On-Line feature
• Associate MUST meet with authorized vendor to start account, add, drop, or

make any changes to current amounts.

 Individualized Passwords

• You will need your Windows user ID and password. (Passwords required for On -

Line Enrollment! Contact IT Help desk for password information at 521 -7941. Passwords available during the computer assistance timeframe.

• DO NOT share your personal User ID and password with anyone, it is against

Hospital policy.

57

“Click here for On-Line Enrollment”

On-Line Enrollment Go to Hospital Intranet

58

Enter your Windows Username and Password

On On-Line Line Enrollmen

ment t Lawson

59

Welcome Screen…“You’re on your way!”

On On-Line Line Enrollmen

ment t Lawson

START YOUR CHANGES

“Select the plan type(s) you would like to change”

61

“Print elections for your reference”

On On-Line Line Enrollmen

ment t Lawson

62

Congratulations

Your enrollment has been successful. Please wait for the print box. After that, choose Continue to exit.

On On-Line Line Enrollmen

ment t Lawson

Norma Gonzalez, Benefits Specialist

ngonzalez@umcelpaso.org

(915) 521-7580

63

QuestionsQuestions????

Marcos Rey, HR Auditing Generalist

mrey@umcelpaso.org

(915) 521-7950